AEA offers the following account services to help you manage your accounts and reach your financial goals.
Keeping track of your balances can be tricky and unexpected overdrafts happen.
What is an overdraft? An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway.
What are the standard overdraft practices that come with my account?
We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. If we do not authorize and pay an overdraft, your transaction will be declined.
What fees will I be charged if AEA Federal Credit Union pays my overdraft? Under our standard overdraft practices:
What if I want AEA Federal Credit Union to authorize and pay overdrafts on my ATM and everyday debit card transactions? Courtesy Pay allows you to overdraw your account up to the disclosed limit to pay the transaction for a fee of $32 per item.
AEA offers additional options to help protect you from accidental overdrafts.
If you have any questions about your Overdraft Options, please contact us.
Avoid waiting in long Teller lines for monthly deposits. With Direct Deposit, regular paychecks or retirement benefits checks (Social Security, pension, etc.) will deposit directly into your account on the payment date, which means it will be available to you sooner than with a paper check deposit. Enjoy the peace of mind, knowing your check will be on time with no worries of mail delays or having it stolen from your mailbox.
To receive funds into your AEA account from another institution with a wire service, provide the following information to the institution sending you the funds:
AEA Federal Credit Union
ABA Routing # 322173217
Member account number
If a foreign remitter is requesting you provide a SWIFT Code, let your remitter know that a SWIFT code is not required for you to receive international funds.
Foreign financial institutions typically have relationships with U.S. correspondent’s banks. U.S. correspondent banks will convert foreign currency wires to U.S. dollars if necessary and route wires to domestic financial institutions based on ABA routing numbers.
To send funds from your AEA account please visit an AEA branch.
*Certain restrictions apply. Ask for details.